我国商务征信体系建设的模式探讨

分析商务诚信存在的主要问题、破解原理、征信难点,以及国际上主要的征信模式和我国征信市场现状,提出应建立以公共信用信息服务为基础,以金融业统一征信平台、行业信用信息交换平台和第三方专业征信服务为主体,以大数据等新一代信息技术为支撑的征信体系,形成不同征信机构各司其职、相互补充、互为支撑的商务征信市场格局。

Discussion on the Modes of Business Credit Reference System Construction in China

With an analysis of the main problems existing in business integrity, the solution principles, the difficul- ties for credit reference, the typical credit reference modes in the world and the situation of credit reference market in China, the paper proposes to establish a credit reference system based on common credit information services, mainly consisting of a unified credit reference platform for the financial industry, industry-based credit information exchange platform, and third-party professional credit reference services, backed by such new information technology as big data, so as to form a business credit reference market setup with different credit reference institutions to perform their own duties, complement with and support each other.